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You can’t control how people act — but you can control how you honour what was entrusted to you.

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Sometimes protecting a legacy means having tough conversations with love and wisdom.

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In business and life, failing to plan is planning to fail — a neglected asset today can become tomorrow’s burden

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The best way to protect a legacy is to have clear agreements and responsible management.

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Legacy is not just about money. It's about the values, lessons, and stability we leave for others.

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Which One Builds Better Businesses? Let’s debate this👇 💼 A business built on hustle 🧠 A business built on strategy Which one survives a tough economy? #EntrepreneurTalk #BusinessDebate #WorkSmart

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I Thought Doing More Was the Way… Until I Paused and Restructured There was a time I believed the only way to grow was to say yes to everything: every service request, every client, every opportunity. But here’s the truth: that approach nearly burned me out — and worse, it diluted my effectiveness. Things changed when I made a decision to stop doing everything myself. I hired a project administrator. I re-evaluated the services we offered. I leaned more into strategy and stepped away from the ‘always-on’ mindset. One of the best decisions I made? Focusing on high-impact services and working on the business, not just in it. That shift unlocked new clarity — and better results for my clients. Sometimes slowing down is what actually speeds things up. The goal isn’t hustle. It’s sustainable excellence. #BusinessMindset #ThinkPlanAct #BusinessGrowth #Entrepreneurship #WorkSmart #EvaFinancialSolutions

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Say No More Often – Protect Your Energy Say no to distractions that don’t align with your goals. Your mental bandwidth is a limited resource. Hustling without direction is noise. #TipTuesday #BusinessWisdom #EntrepreneurLife

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Start Smart: Not Every Opportunity Is Meant for You A true business mindset is about selective focus, not jumping on every shiny idea. 📌 Choose wisely. Plan deeply. Execute intentionally. #BusinessMindset #SustainableGrowth #SmartMoves

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I'm Paying Too Much Tax on My Salary – When Will I Get It Back from SARS? This is a common concern for many salaried employees. You look at your payslip each month and wonder, “Why is so much tax being deducted?” It can be frustrating, especially when you feel that your employer isn’t accounting for all the possible deductions that could reduce your tax burden. The question then arises: will SARS ever give any of that tax back? 🧾 Why You Pay PAYE South Africa’s tax system uses Pay-As-You-Earn (PAYE), which means your employer deducts tax from your salary each month based on SARS's tax tables. This is designed to ensure that you don’t owe a large lump sum of tax at the end of the year. However, sometimes you may feel like too much tax is being deducted, especially if your employer hasn’t factored in some of your personal deductions, which could lower the amount of tax you owe. In the PAYE system, your employer takes care of the tax calculations for you, but they only have access to the information they’re given. For example, if you’re making contributions to a retirement annuity or have medical expenses that exceed what’s covered by your medical aid, these may not be accounted for when calculating your tax at the source. If you have more than one employer, each employer only works out the PAYE based on the salary they pay you. However, SARS will aggregate the income and workout the tax on the aggregated income. ✅ Will You Get a Refund? The good news is that, yes, you may be entitled to a refund when you submit your annual tax return — typically between July and January. The refund usually occurs if one of the following applies: Overpayment of PAYE: If you’ve paid more tax than necessary during the year, you’re eligible for a refund when you file your tax return. Unaccounted deductions: If your employer hasn’t included deductions like retirement annuity contributions, medical expenses, or other eligible tax credits, you can claim these on your tax return, which could result in a refund. Some common scenarios in which you’re more likely to receive a refund include: Contributing to a retirement annuity (RA): Contributions to an RA are tax-deductible, which means they reduce your taxable income. Medical expenses not covered by your medical aid: These expenses may qualify for tax credits, reducing your tax liability. Travel allowance: If you receive a travel allowance and have kept a valid logbook, you can claim deductions for business travel. Donations to SARS-approved charities (Section 18A): Donations to registered charities are tax-deductible, which can further reduce your taxable income. It’s important to note that if SARS finds that your employer under-deducted PAYE throughout the year, you may owe money instead of getting a refund. 💡 How Salaried Employees Can Reduce Tax Fortunately, there are several strategies available to reduce your overall tax burden and potentially increase your refund. Some practical and legal options include: Contribute to a Retirement Annuity (RA): You can deduct up to 27.5% of your taxable income (up to R350,000 per year) by contributing to an RA. This directly reduces the amount of tax you owe to SARS. Claim Medical Expenses: If you’ve paid out-of-pocket medical costs for yourself or your dependants that aren’t covered by your medical aid, you may be able to claim additional medical tax credits. Logbook for Travel Claims: If you receive a travel allowance, you can only claim deductions for business travel. Ensure you maintain a valid logbook that tracks your business-related trips. Without a logbook, you won't be eligible for these deductions. Donate to Section 18A Charities: Donations to qualifying charities are tax-deductible, with a limit of 10% of your taxable income. Work with a Tax Professional: If you have multiple income sources, investments, or rental income, it’s a good idea to consult with a registered tax practitioner. They can help you maximise your refund, ensure compliance, and reduce your liability. ⏱️ When Will I Get the Refund? If SARS owes you money and your return isn’t flagged for review or audit, the refund will typically be paid within 1–3 weeks after the assessment is completed. However, if your tax return is flagged, it could take longer. 👥 Final Thought It’s not just about how much you earn — it’s about how well you plan. Understanding the tax system, keeping track of your deductions, and planning ahead can ensure that you don’t overpay. If you’re unsure about your tax situation or want assistance in reviewing your deductions, chat to us. We can help you navigate the system and ensure that you get the maximum benefit from your tax return. Reach out to us today for expert advice on your tax planning. Let us help you get the most out of your salary and reduce the stress of overpaying. Read the full article

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There was a time when I said yes to every opportunity, chased every lead, and worked late nights thinking that was the only way to build success. The shift happened when I stopped only hustling and started thinking like a CFO—even in my own business. I built systems. I learned to say no. I focused on real value—not just being busy. Now I serve clients better, grow smarter, and still have energy left at the end of the day. Hustle got me going. A business mindset is taking me further. If you're stuck in "doing everything," maybe it's time to shift to "building something." #BusinessMindset #FinanceWithPurpose #WorkSmarter #Entrepreneurship #SMEAdvisory #ValueOverHype #BusinessGrowth #SmartStrategy

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📊 Don’t build a business that relies on you working 24/7. The smartest entrepreneurs automate, delegate, and innovate. It’s not about working harder—it’s about building better. #MindsetShift #FreedomThroughStructure

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❓What’s one “hustle habit” you had to unlearn to grow your business? Let’s talk about growth. Share the hustle habits you ditched when you adopted a true business mindset. #LevelUp #BusinessGrowth

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Hustle is doing more. Business is doing better. Reprogram the hustle culture. Efficiency, clarity, and planning always win in the long run. #EntrepreneurMindset #SmartWorkOverHardWork

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💡 Hustling without strategy burns you out. A business mindset builds systems, scales sustainably, and frees up your time. Don't just grind—grow. A business mindset means thinking long-term, making strategic moves, and valuing systems over sleepless nights. #BusinessMindset #WorkSmarter

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Doctors, Are You Structuring Smartly? Whether you’re running a practice, working as a contractor, or looking to expand—your tax structure matters. From holding companies to hiring family and using company vehicles, there are smart, compliant ways to protect your income and build wealth. We’re here to help you make it work for you. 📩 DM us to book a personalised planning session. #DoctorTaxTips #WealthPlanning #MedicalProfessionals

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Salary + Dividends = Tax Efficiency Taking everything as salary could be costing you. Instead: 💼 Pay yourself a reasonable salary (subject to PAYE) 💰 Declare dividends on retained profits Finding the right balance between salary and dividends can reduce your tax burden while helping your business grow. #SmartTax #DoctorWealth #DividendsVsSalary